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Fileraz
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Fileraz
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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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Lenders cap how much of your income can go to EMIs — the fixed-obligation-to-income ratio (FOIR). The tool takes your monthly income, subtracts existing EMIs, applies your FOIR to find the affordable EMI, then back-solves the loan that EMI supports at your rate and tenure. Example: ₹1,00,000 income with no current EMIs at 50% FOIR, 8.5% over 20 years supports a ₹50,000 EMI — roughly a ₹57.6 lakh loan.
Enter take-home-relevant monthly income and every existing EMI — car, personal, credit-card minimums lenders count — because each rupee of obligation directly shrinks the new loan. If unsure about FOIR, use 40–50%: lenders commonly work in the 40–55% band, higher only for large incomes. Then test sensitivity: shaving 2 years off tenure or 0.5% off the rate moves eligibility more than most borrowers expect.
It does not check your credit score, employment type, property valuation, or any lender's internal policy — the real sanction can land well below this arithmetic ceiling.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Lenders commonly work in the 40–55% band, higher for larger incomes. If unsure, try 50% and adjust — a lower FOIR gives a more conservative, safer number.
Yes. Enter current EMIs so they are subtracted first; they directly reduce how much new loan you qualify for.
Credit score, employment type (salaried vs self-employed), property valuation, and lender-specific buffers all trim the figure. Treat this page as the optimistic ceiling and the bank's number as the floor you plan around.
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